Lisa J. Espada is a bankruptcy and civil litigation attorney devoted to helping Northern California consumers solve their debt problems.  This website provides an overview of bankruptcy law, as well as information about illegal debt collection practices and the defense of debt collection lawsuits.

If you are experiencing one or more of these problems, YOU HAVE OPTIONS.

    • You have been sued by a creditor

    • Your wages are being garnished

    • Your bank account has been levied 

    • Creditors have placed liens on your property

    • You are being harassed by debt collectors

    • Your credit score has plummeted due to non-payment of debts

When you took on debts, you fully intended to repay them.  But sometimes, life does not work out as planned.  Periods of unemployment, illness, disability, divorce and the loss of a spouse are common reasons for the inability to repay debts.  We all deserve the opportunity to for a fresh start, to put misfortunes and mistakes behind us.

In 1934, the United States Supreme Court summarized the purpose of bankruptcy:

One of the primary purposes of the Bankruptcy Act is to relieve the honest debtor from the weight of oppressive indebtedness, and permit him to start afresh free from the obligations and responsibilities consequent upon business misfortunes… The purpose of the act has been again and again emphasized by the courts and being of public as well as private interest, in that it gives to the honest but unfortunate debtor. . . a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt.

Local Loan Co. v. Hunt 292 U.S. 234 (1934)

The Law Office of Lisa J. Espada is a debt relief agency, helping consumers file for bankruptcy relief under the United States Bankruptcy Code.

This firm provides bankruptcy counseling and services to clients in the following California counties: Marin, Sonoma, Napa, Solano, Contra Costa, Alameda, San Francisco and San Mateo.  Contact us for a consultation regarding possible violations of the Fair Debt Collection Practices Act if you live anywhere in the State of California.

The information contained in this site is general in nature, and is not intended to constitute legal advice or recommendations.  Communications between an attorney and prospective clients are strictly confidential, but no attorney-client relationship is created unless a contract for legal services is signed.

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The California Statute of Limitations for Collection of Debts


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Seven Steps Towards Resolving Identity Theft


Most people who are sued in debt collection cases acknowledge that they had an account and owed money to a creditor, and stopped paying on the debt.  Lawsuits may be.. read more

Bankruptcy for a Married Person: Should You File as an Individual, or as a Couple?


A common question from a married person is: can I file a bankruptcy case alone, or do I need to file with my spouse? A married person may file a.. read more